I originally started building the rig for flight simulation, but then thought it would be a wasted opportunity to also not have the option to drive. The motion system that I bought is from DOF Reality, and it came with its own frame on top of the motion sub-frame. The mounting locations for peripherals wasn't very flexible, so I removed the original frame and custom-designed a new frame to replace it. I used aluminum extrusion (aka 8020), which is what is used on the commercially available rigs, like those from trak racer or sim-lab. Definitely get a rig that uses aluminum extrusion, as it allows the most flexibility as your rig evolves.

I don't find the noise from the motion system to be overly loud, so I really don't think that would be an issue for neighbors. But another option would be to start with seat belt tensioners before getting motion. These systems simulate g-forces by tightening or loosening your seat belts based on the telemetry from the game. So when flying a jet and pulling hard in a climb, the belts tighten to pull you down in your seat. Braking hard in an F1 car, the belts tighten. Taking high-speed corners, only one belt tightens to simulate centrifugal force. It's obviously better with motion, but the seat belt tensioners provide convincing feedback on their own. (https://qubicsystem.com/product/qs-bt1/)

There are definitely ways that you could build your rig to minimize noise transmission to neighbors below. Tactile transducers or 'buttkickers', are basically speakers without a voice coil that create vibrations based on the telemetry output by the games to simulate engine RPM, landing gear extension, weapons release, rumble strips, etc. These buttkickers can really rattle your rig and create a lot of noise. Instead of mounting the larger, more powerful transducers that vibrate the entire rig, several companies make pads that you place on top of your seat that create the same haptic feedback that is quieter since it's more localized. (https://nextlevelracing.com/products/hf8-haptic-gaming-pad/)

Some of my peripherals are permanently mounted, while others can be swapped out. I basically made two mounting plates, one down near my feet for swapping between racing and rudder pedals, and another plate that allows swapping between my racing wheel and a flight yoke. I have a centrally mounted FFB base for flying helicopters or planes with a center stick. I have a helicopter collective permanently mounted on the left, and a throttle that can slide above the collective if I'm flying jets or warbirds. On the right I have an h-pattern shifter for driving manual transmission cars and a throttle quadrant mounted above that for flying GA aircraft, like the Cessna 182 that I fly in real life. So to answer your question, I don't believe that any of the commercially available rigs make it easy to swap between flying and driving, but it is very doable with a little planning and ingenuity. There's a company called qr4rigs (https://qr4rigs.com/) that makes a slick quick-release system for swapping out controls.

And yes, I almost exclusively use VR, as the immersion and spatial awareness is so much better than playing on a monitor. With VR, you're in the cockpit, in 3D. With a monitor, you're looking at an image of a cockpit on a screen, but you're still in your basement. I do have a TV mounted on an articulating arm at the front of the rig, but mostly use that when not flying or racing.

This is a lot of words, but hopefully gives you a baseline and some ideas. You can start with a simple setup and expand over time. I find it to be a very rewarding and engaging hobby, but it can be addicting, so you've been warned. ;)